Choose the possibility of 12 months less of repayments and hundreds of pounds less interest.

When considering the option of transferring a credit card balance onto another credit card to take advantage of a 0% offer or taking out a loan to consolidate the credit card debt it pays to sit down and do the maths.

Using a variety of online calculators and some simple maths it is possible to determine which option would make the most financial sense.

Taking the time out to sit down and tackle the calculations could save over £1000 so even if it takes an hour or two it’s still well worth the effort.

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